1. Types of User Data We Collect

(i) Individual Personal Information (IPI)

• Username and password
• Name, address, email, phone number and IP address
• Date of birth and gender
• Transaction history on the Platform
• Bank account, debit or credit card details
• Sensitive personal data as defined under applicable laws
• Device identifiers and registration information
• Information received from third-party sources where permitted

(ii) Individual Non-Personal Information (INPI)

• Geographic location
• Browser type and operating system
• Internet or telecom service provider details
• Date, time and duration of Platform visits

(iii) Individual Financial Information (IFI)

• Banking and payment instrument details required for transactions
• Payment information collected via authorized third-party gateways

Information freely available in the public domain shall not be treated as sensitive personal data.

2. Modes of Collection of Data

• Information voluntarily provided by the User
• Information collected automatically through cookies and device data
• Information received through email communications
• Information obtained from permitted third-party sources

3. Use of User Information

• To comply with applicable laws and regulations
• To improve products, services and user experience
• To process transactions and provide customer support
• To prevent fraud and ensure platform security
• To communicate offers, updates and service notifications
• To share information with authorities when legally required

4. User Representation & Disclaimer

• User Information is provided voluntarily and at the User’s discretion
• Users confirm accuracy and legality of the information shared
• The Company is not responsible for incorrect information provided by Users
• User consents to lawful collection, processing and sharing of data

5. Retention & Security of Information

• Reasonable security practices are implemented to protect data
• Data may be shared with authorized partners under confidentiality
• Absolute security cannot be guaranteed over the internet
• Personal and financial data is retained as required by law

6. Limitation of Liability

The Company shall not be liable for losses arising from misuse of information, force majeure events or unauthorized access beyond reasonable control.

7. Consent & Policy Updates

• Use of the Platform constitutes consent to this Privacy Policy
• The Policy may be updated periodically without prior notice
• Users may opt out of communications using unsubscribe options

8. Grievance Redressal

Email: vivllolifecare@gmail.com
Subject: Privacy Policy – Vivllo Lifecare Private Limited

9. Jurisdiction

This Privacy Policy shall be governed by the laws of India and subject to the exclusive jurisdiction of courts at Nagpur, Maharashtra.